Inquiries That Don't Hurt
So-called "soft" inquiries do appear on your credit report, but
they do not affect your credit rating.
Soft inquiries include:
- your own requests for your credit report;
- credit checks performed by companies that want to send you a marketing
offer;
- inquiries made by lenders or other businesses with which you already
have an account; and
- inquiries made by prospective employers.
Also, some middlemen—like credit counselors and loan brokers—may
pull your credit. And they may allow several lenders to pull it, too. In most
cases, these will all be considered soft inquiries.
Next: Permission
vs. Permissible |
